Will I lose my car or home?

No. The primary goal of debt review is to protect your assets. As long as you maintain the agreed-upon payments, your vehicle and home are legally protected.

Fees are strictly regulated by the NCR and are built into your monthly debt repayment plan—no separate upfront fees are required.

Service Areas / Gauteng / Lotus Gardens

Debt Counselling in Lotus Gardens

Take control of your financial future with professional debt counselling (Debt Review) under the National Credit Act. Our expert counsellors evaluate your financial situation to create a sustainable repayment plan. We negotiate directly with your creditors to reduce monthly installments and interest rates, consolidating all your obligations into a single, affordable payment while providing immediate legal protection against asset repossession and creditor harassment.

Professional Debt Counselling Services in Lotus Gardens, Gauteng

Debt365 Solutions provides expert debt counselling services to residents of Lotus Gardens and surrounding areas in Gauteng. As a registered debt counsellor (NCRDC2403) with the National Credit Regulator, we offer fully compliant, professional debt management solutions tailored to your local needs.

NCA Regulatory Compliance

Section 86(1)

Formal application for debt review by a consumer.

Form 17.1

Official notification to credit providers and bureaus.

Affordability Test

Strict adherence to NCR-prescribed affordability calculations.

Why Lotus Gardens Residents Choose Debt365

NCR registered (NCRDC2403) — fully compliant process
Legal protection from legal action, summons, and repossessions
Sustainable path to becoming debt-free without taking new loans

Key Benefits

One affordable monthly debt repayment
Stop creditor harassment legally
Vehicle and home protection under Section 86
Reduced interest rates negotiated with creditors
NCR-regulated fee structure included in your plan
Legal protection from day one

Our Process

Free Affordability Assessment

We analyse your income, living expenses and total debt to determine over-indebtedness.

Form 16 Application

We file your debt review application and notify creditors.

Negotiation

We negotiate reduced payments and a restructured plan.

Court Order & Payment

Your repayment plan is made an order of court for legal protection.

Important Considerations

You cannot apply for new credit while under debt review.

The debt review flag is visible to all lenders on your credit report.

Missed payments under the plan can lead to creditors terminating the process.

Frequently Asked Questions in Lotus Gardens

NCR Registered: NCRDC2403

All our debt counselling services in Lotus Gardens are delivered under the National Credit Act and in full compliance with the National Credit Regulator. We use legal, ethical, NCR-aligned processes only.